Let’s go through all the expenses you have to pay for and during the study in Germany.
At first, you will apply to a university for getting admission from India via Uni-Assist (Start) which costs 75€ for the first application and 30€ for each extra university where you are applying. On average you will apply to 5–6 universities, to increase your chances, which makes the total around 225€ plus the courier charges to send your document to Germany.
Here you might need to submit the language certificate depending upon your course selection, English or German taught course.
Here you might not need to give IELTS if you are going to study in German taught course, or the opposite for English taught course. For German taught course fees would be more as you would be learning till B2/C1 level from Goethe Institute in India which can be more expensive. If you are planning to learn the language in Germany then the fees would be further expensive 900+€ for an intensive German course for each level. So you can count what is applicable to you.
Once you get your admission, the next step would be to get your visa done, here for the visa application you have to pay 7400 INR. For the Block account, you need to pay 10,236€. This amount is yours only, which you will be using in your first year of stay, if you will be a little careful, you can save some money at the end of the year in Germany. Monthly you will get 853€ to spend on your basic needs.
After you get your visa, you will be flying to Germany, which will cost you on a normal day 30–40K INR, on some busy days prices can go higher, for example in this December prices are ridiculously high due to COVID-19, Air Bubble agreement and festival time.
In addition, you will buy so many things for your stay in Germany, like a laptop, bags, jackets, utensils, etc. which would be also additional expenses on your side. You can add it as per your need.
On Arrival in Germany:
You might have to book yourself a temporary accommodation for a few days if you didn’t get the confirmed long-term accommodation from Studentenwerk of your university location. As you can only get access to your block account money after the city registration, so you might need 1000€ to be on the safer side for the first month. This you can use for the rent plus deposit, also some small expenses as ticket, train, taxi, food until you have the access to your block account.
During your Immatrikulation for the first semester, you will pay the semester contribution fees, which would be from 200 to 450€ as per your university location.
You have to have government health insurance to be a student in Germany, which would be 90+€ per month.
Your monthly expenses (From the Blocked amount)
which leads to a total of around 800–850 € depending on your needs and lifestyle. It can be way lesser if you live in a small town in Germany or a little bit higher for bigger cities like Munich or Hamburg. Also how you spend your money is also a factor.
This would be all the expenses for an Indian student to study in Germany for the first year, for the second year he/she has to add the living cost to get the number. On average monthly, you need 400 to 500€ to survive in Germany. This means you save some money from your block account, which you can use in the second year, plus after some time, if you start working part-time which will be a bonus for you.
I did, the German taught course from HAW Hamburg, did learn the German language from private language school in Berlin, which cost me approx. 14 Lakhs for the first year (2016). In the second year, I managed my finance without needing any money from my parents. If you are planning to do an English taught course, it would fall under 8 Lakhs for the first year.
Thanks, I hope it would give you a rough idea.